Top Personal Loans for September 2026: Rates and Insights

OurMoneyMarket stands out with its 5.95% starting APR, no ongoing fees, and no early exit fees. This fintech lender rewards strong credit profiles with rates that match their advertised APRs. However, the loan term maxes out at 5 years, which might not suit everyone.

Harmoney offers an excellent choice for those with good to excellent credit, providing unsecured loans from 5.76% APR. The fully online process and market-leading rates make it a top pick, although the maximum loan amount is $70,000.

Liberty Financial is notable for its flexible lending criteria, offering secured loans from 5.67% APR. While it lacks a branch network, it's ideal for non-standard borrowers seeking competitive rates.

Plenti provides quick funding within 24 hours at a starting rate of 6.17% APR. Although it lacks in-person support, its zero monthly fees and fast processing are appealing for digital-savvy borrowers.

Commonwealth Bank offers both fixed and variable rate loans starting at 7.25% APR. Existing customers benefit from seamless integration with the CommBank app, though fees can add up with a $250 establishment fee and $15 monthly service charge.

NAB's personal loan features a tight rate band, maxing out at 12.99% APR, making it a safe bet compared to other big banks. The waived $250 application fee until July 2026 is a notable perk for prospective borrowers.

ANZ offers both fixed and variable rate options from 7.49% APR. With a strong branch network, it's ideal for borrowers who value in-person support. However, fees and credit requirements may deter some.

Westpac provides a wide range of loan amounts with rates starting at 7.00% APR. While its electric car loan rates are competitive, the $250 establishment fee and $15 monthly account fee are notable costs.